529 College Savings Calculator

Learn more about this calculator

College savings planning has gotten more interesting since Secure 2.0. Money you over-save in a 529 can roll into the beneficiary's Roth IRA — up to $35,000 per beneficiary, subject to annual contribution limits and a 15-year-old account requirement. Our calculator factors that exit door into the savings target so you don't end up with a stranded balance.

Plan for one kid or six. Each gets their own start age, target school tier (in-state public, out-of-state public, private), and inflation assumption. The calculator solves for the monthly contribution to hit your funding goal and shows the projected balance and Roth-rollover headroom in retirement.

What this calculator covers

Use these as a quick scope check before you rely on the output.

•Multi-kid planning, separate per-child assumptions
•In-state, out-of-state, and private school tier defaults
•Tuition-inflation override (default 5%)
•Secure 2.0 Roth-rollover modeling
•Solve for monthly contribution given a target
•Save and share scenarios

Frequently asked questions

What if I save too much in the 529?

Excess balances can be rolled to the beneficiary's Roth IRA under Secure 2.0 — up to $35,000 lifetime per beneficiary, subject to annual Roth contribution limits and a 15-year-old account. The calculator surfaces the rollover capacity so you can right-size the savings rate.

Are state tax deductions modeled?

The calculator uses federal-only assumptions. State 529 deductions vary widely — your CPA or our Advisor Recommender can help you choose the right plan.

Can I plan for grandchildren?

Yes — add as many beneficiaries as you want. Each is independent.

Practical examples that connect the calculator to real planning decisions.